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论文编号：	4716
作者编号：	2120102744
上传时间：	2012/12/11 0:20:50
中文题目：	交通银行公司类信贷业务信用风险管理策略研究
英文题目：	Research on The Strategy of Credit Risk Management of Company Credit Business of The Bank Of Communications
指导老师：	武立东
中文关键字：	交通银行 外部环境 信贷业务 信用风险管理 策略
英文关键字：	Bank of Communications, External environment, Credit Business, Credit Risk Management, Strategy
中文摘要：	交通银行作为中国五大国有商业银行之一，随着中国经济、金融的不断发展，取得了良好的业绩，公司类信贷业务是其最稳定的利润来源之一，信用风险管理水平在一定程度上反应了交通银行的核心竞争力。2007年以来，巴塞尔新资本协议第三版的推出、中国经济增速放缓、突出的经济结构性问题、利率市场化推进等外部环境的变化，对于交通银行信用风险管理水平提出了更高的要求，现有的管理体系已显现出了明显的不足，如何提高信用风险管理水平，对交通银行保持竞争优势和可持续发展至关重要。本文以信用风险管理理论为基础，采用调查观察研究法，对所研究问题展开分析论证，结合外部环境变化，对交通银行现有公司类信贷业务信用风险管理体系进行了深入的梳理和分析，发现了存在的诸多不足，提出了完善信用风险管理的对策和建议，为交通银行以及中国商业银行信用风险管理提供了参考和借鉴。本文共分为七章，研究具体内容为：阐述交通银行公司类信贷业务信用风险管理的现状，通过分析中国监管及经济的外部环境变化，发现交行现有信用风险管理体系存在审查机构缺乏独立性、激励机制有待完善、人员素质有待提高、贷后监控亟需加强、内部评级体系及行业投向指引不完善等问题。最后，为完善交行信用风险管理体系，针对现存的问题，提出了优化组织结构、完善激励机制、培育信贷文化、加强员工培训、深化内部评级应用、提高精细化管理水平以及细化行业投向指引增强指导作用等策略。
英文摘要：	The Bank of Communications as one of China's five major state-owned commercial banks, with the continuous development of China's economic and financial, has achieved good results, corporate credit business is one of the most stable source of profits, the level of credit risk management to some extenton the reaction of the core competitiveness of the Bank of Communications. Since 2007, the launch of the third edition of the New Basel Capital Accord, China's economic slowdown, a prominent economic structural problems, the interest rate market-oriented changes in the external environment, a higher level of risk management for the Bank of Creditrequirements, the existing management system has been showing significant deficiencies, how to improve the level of credit risk management, to maintain a competitive advantage and sustainable development of the Bank of Communications. In this paper, based on the theory of credit risk management, investigation observational study law, to expand the analysis and appraisal of the research questions, combined with changes in the external environment, depth combing and analysis the Bank of existing corporate credit business credit risk management system, found the existence of the disadvantages of proposed countermeasures and suggestions to improve credit risk management, to provide a reference for the Bank of Communications and China's commercial banks credit risk management. This paper is divided into seven chapters, to study the specific content: expounded the Bank of the corporate credit business credit risk management, through the analysis of regulatory and economic changes in the external environment, the Bank of existing credit risk management system exists the lack of independence of the review body incentives need to be improved, the quality of personnel needs to be improved, loan monitoring is an urgent need to strengthen internal rating system and industry to invest in the guidelines imperfect. Finally, to improve credit risk management system of the Bank of the existing problems, it is proposed to optimize the organizational structure and improve the incentive mechanism, nurturing credit culture, strengthen staff training, deepening internal rating application, improve fine management level, and to guide the refinement of the industry to invest in enhanced guiding role and strategy.
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